Is WAEPA connected to the U.S. government?
No. WAEPA is a non-profit association governed by a board of U.S. government employees who serve without compensation. The organization is administered by a professional staff.

May I keep my WAEPA group life insurance coverage if I leave government employment?
Yes. Once insured with WAEPA, there will be no change to your coverage due to a change in your employment status. Your coverage may continue until age 85.

What is group term life insurance?
Group term life insurance is one-year renewable term insurance. Coverage is issued by an insurance carrier (Life Insurance Company of North America) to a policyholder (WAEPA) for the purpose of insuring the policyholder's members. The economies of scale allow the insurance carrier to charge lower premiums to a group than it can charge to individuals.

As long as the premiums are paid on time, can WAEPA cancel the policy for any reason?

No. Other then non payment, or the cancellation of WAEPA's group master policy, the only other possible way for your coverage to be cancelled is by you officially requesting termination or by you reaching the age of 85; end of the coverage term.

Once initially accepted by the plan, can WAEPA at any time require a physical examination to either continue to the plan to keep current benefits?

Basically, no. As long as you maintain your premium payments and don't become terminated due to non payment, there would be no need for a new physical exam. The only other exception would be if you submit a completed application for more coverage then you already have with WAEPA.

How do I cancel my WAEPA policy?
We just need a signed and dated request, so that we have your authorization to terminate your coverage. Please include your Certificate number and specify that you wish to cancel your coverage outright. Upon completion you need to mail this to:

What type of insurance does WAEPA offer? And for what period?
WAEPA coverage is "term" insurance. Our rates change in 5 year increments and the maximum amount of coverage available begins to reduce starting at age 60.

How do I tell if this is not a scam?
WAEPA is a Non-Profit association formed in 1943 that is governed by Federal Employees just like you to serve the Federal Employees' community.
The goal of WAEPA is to provide access to products and services that promote the health, welfare, and financial well-being of its members.

Over 42,000 members now belong to WAEPA and their in-force life insurance purchased through WAEPA exceeds $10 (as of 9/29/2014).

Our carrier is Life Insurance Company of North America, a Cigna company.

Are government contractors eligible to purchase life insurance from WAEPA?
Only civilian federal employees/retires, their dependents, and their non-dependent adult children can purchase WAEPA coverage.

What is the maximum amount of coverage WAEPA offers?
If you are less than age 65, you may apply for up to $750,000 of group life insurance for yourself and up to $250,000 of dependent group life insurance for your spouse.

Your website indicates that premiums are lower than the FEGLI. What happens after age 60? Are your rates higher? How does this work in conjunction with coverage reductions based upon age?

Our rates change in 5 year increments and the maximum amount of coverage available begins to reduce starting at
age 60. The rates are different because the coverages under the two plans is different. To view our complete
list of rates for all ages and amounts of coverage available:
Plan Description

The rate comparisons vary drastically based on the options you have with FEGLI. The best way to compare is to
use the saving calculator.
This will give you the tailor fit answer for your exact needs.

To begin the claims process, the insurance company requires notification from a person (spouse, relative,
friend, etc) that the insured has died. This can be done either by phone (1-800-368-3484) or email (waepa@waepa.org).

We require the member's name, certificate number, date of death, cause of death, notifier's name, phone number
and the notifier's relationship to the member. Then we would mail a claim form to the beneficiary to be
completed/notarized and returned to WAEPA, along with a certified copy of the decedent's death certificate.
This information would then be forwarded to the insurance company to process the claim.

There is no "waiting period" for benefits to be payable. If an insured dies within the first two years of coverage, the full benefit is paid, provided death is not a result of suicide or the application does not contain incorrect medical/health information (misstatements).

WAEPA's Life Insurance Program is underwritten by Life Insurance Company of North America (LINA), a Cigna Company. Neither WAEPA/LINA nor this product are endorsed by or affiliated with any government agency. "Cigna" and the "Tree of Life" logo are registered service marks of Cigna Intellectual Property, Inc., licensed for use by Cigna Corporation and its operating subsidiaries. All Cigna products and services are provided by or through such operating subsidiaries, including Life Insurance Company of North America, and not by Cigna Corporation.